The stock market has stormed up but a comparison of the Dow Jones from 1960 to 1974 and from 2000 to now is troubling.

1960 to 1974 Dow Chart from www.stockcharts.com

Notice four peaks representing over bought markets during a 17 year sideways bear market.

2000 to now Dow chart from www.stockcharts.com

Has the Dow reached the fourth peak ready for one more sideways bear crash?

This site has tracked the Dow’s 15 to 20 year year cycles for many years and the patterns are eerily similar. There are many reasons why we could now see another sharp retraction in the Dow and these charts support that thought. In 1974 the Dow collapsed nearly 50% before the great run up that began in the 1980s.

This means we should be very cautious and think beyond the Dow.

Multi currency investing offers one way to gain added security and profit in such dangerous times.

Jyske Bank, one the Denmark’s largest banks has recently announced a new asset management development that can help make multi currency investments.

This is our 45th year of recommending multi currency portfolios for a better retirement. During these four and a half decades we have always recommended “do not trust any one currency or banking system”.

Now it is easier to protect your retirement savings and make them grow. There is a new way to have a protected retirement through the bank safety of Canada and Denmark.

Many countries are plagued with excess and hidden debt that no one currency can be trusted. The continued loss of the US dollar’s purchasing power can diminish better retirement opportunities.

Photo from shtfplan.com titled “What the Romans took nearly three centuries to accomplish, our Federal Reserve has done in less than one hundred years.”

Since the release of my first book “Passport to International Profit” written in the 1970s, I have preached and practiced being beyond any one currency system by being a One Man Multinational.

The core message in “Passport to International Profit” is to integrate your lifestyle with your investing and business, plus take advantage of what numerous countries have to offer financially. The first basics steps in this process are:

#1: Live in one country you love.

#2: Bank in a second country that is safe and that you really enjoy.

#3: Invest in more than one strong currency.

Merri and I believe that being global is vital from an investing and business point of view and enlivening for one’s lifestyle. With modern travel and communications technology, why not?

For the past 25 or so years the core of our multi program has been via an account at Jyske Bank… Denmark’s second largest bank. Since 2008, our account and those of other Americans using Jyske have been managed by Jyske’s subsidiary Jyske Global Asset Management (JGAM).

A very positive evolution has now taken place. JGAM announced the transfer of that management role to ENR Management in Montreal, Canada as of September 13, 2013.

Here is why I am delighted to see this new service.

First, before I explain why Americans gain seven benefits from this change, let me hasten to say that all managed assets will remain at Jyske Bank in Denmark… as the custodian.

Yet the transfer of the management role to Montreal brings these seven positive benefits.

Benefit #1: Assets are now managed and regulated not only through the Securities Exchange Commission, but through two of the world’s safest banking communities in the world, Canada and Denmark.

Here are the Top Seven Safest countries to bank in based on the World Economic Forum’s Global ranking index.

Benefit #2: Advisory clients will be able to have more control and input in their accounts and choose a larger variety of investments.

JGAM as a Danish company had to follow US and Danish securities regulations which inhibited the ability of JGAM to allow clients to select individual shares. This rule will not inhibit as many investors when assets are managed from Canada.

Benefit #3: Minimum balances will be lower. I understand that the new minimum will be $100,000 compared to the previous minimum of $200,000.

Benefit #4: Fees on smaller accounts will be lower. JGAM’s fee on smaller accounts was 2%. ENR will charge 1.5%

Benefit #5: The managers will be physically closer. No matter where one lives in the USA, Montreal is closer than Copenhagen. Those of us on the U.S. East coast will get to visit our investment mangers without jet lag.

Benefit #6: Montreal is my favorite North American city. Though Copenhagen is one of my favorite European cities, Montreal is also great… North American efficiency with European style.

Montreal skyline.

Benefit #7: Great people to deal with. Thomas Fischer will join ENR so we get to continue working with him. We get the added benefit of Eric Roseman. I have known Eric, the head of ENR, even longer than we have worked with Jyske. Eric is the perfect example of a student who raced ahead of his teacher. Eric gained some of his first inspirations to be a multi currency investment manager as one of my readers in the 1980s. He wrote to me: “You are like my Jedi Master and I’m the apprentice. Learned so much about investing from you when I first got started.“

His investment management skills as an investment manager have evolved far beyond mine so I will be very pleased to have him help manage my multi currency retirement account with ENR.

Thomas Fischer will be on the ENR investment committee and available to talk with clients.

Wherever you live do not trust any one bank, any one country, any one currency. A financially sound retirement depends on banking in safe countries and holding strong currencies.

Gary

How to Gain With Multi Currency Value Investments

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Fewdecisions are as important to your wealth as the value of the markets and currencies you invest in. This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss. In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power. Here is its price compared with gold since 1900.

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years. This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s. Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s. The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985. As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place. The recession is over. Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be strong.

The agreement in 1985 was called the Plaza Accord. Over just two years the greenback dropped nearly 50% versus other major currencies. The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history. Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical. Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever. These markets offer very poor value now. The steep valuation creates incredible profit potential but also hides some enormous risks. Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the price of overall markets have risen about 9.1 percent, respectively, compounded annually. Yet over more than a hundred years of stock market activity, a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs. Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back. Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

Stocks rise from the cycle of war, productivity and demographics. Cycles create recurring profits. Economies and stock markets cycle up and down around every 15 years as shown in this graph.

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity. Economic downturns create war.

Here is the war stock cycle. Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine, production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet. The military technology shifts to domestic use. A boom is created that leads to excess. Excess leads to correction. Correction creates an economic downturn and again to war.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA. We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver? One session looks at my current position on gold and silver and asset protection. We review the state of the precious metal markets and potential problems ahead for US dollars. Learn how low interest rates eliminate opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power. The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website. This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios), but his big, extra profits come from leverage and staying power. At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a good value strategy) for 13 month’s time, increases the probability of outperformance to 70%. However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy. The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use. Leverage is like medicine, the key is dose.Buffett leverages his portfolio at a ratio of approximately 1.6 to 1. This rate of expansion by the way is called the “Golden Ratio”. It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your circumstances.

Learn to plan in a way so you never run out of money. The seminar also has a session on the importance of having and sticking to a plan. See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk. Learn a three point strategy based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing. Stress, worry and fear are three of an investor’s worst enemies. These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose. The behavior gap is created by natural human responses to fear. The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap. Behavior gaps are among the biggest reasons why so many investors fail. Human evolution makes fear the second most powerful motivator. (Greed is the third.) Fear creates investment losses due to behavior gaps. Fear motivates us more strongly than desire. By nature investors are risk adverse, when they should embrace risk. Purpose is the most powerful motivator, stronger than fear and greed. One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio. My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country. These country ETFs provide diversification into a basket of equities in the good value countries. The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required. You are investing in a diversified portfolio of good value indices. A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares. You can invest in the index which is like investing in all the shares in the index. All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value. The keys to this portfolio are good value, low cost, minimal fuss and bother. Plus a great savings of time. Trading is minimal, usually not more than one or two shares are bought or sold in a year. I wanted to find the very least expensive way to create and hold this portfolio so I performed a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy. A search for an optimal way to buy and hold boiled down to two methods. One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal. The other approach was to use a community bank in Smalltown USA. The small town bank that I use looks after my 401K trust account and their service is first class. The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved. There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA, I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system. Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test show how you can gain on any purchase of country ETFs.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

Triple Guarantee

Enroll in Pi. Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away.

#1: I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2: I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3: You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear. You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Pension protection mathematics are filled with deceit because of the essence of time.

Last February we began a series on pension protection and the deceits of intervention. The first article New Program Increases Pension Risk shared how new regulations that began in New York City were allowing municipalities to borrow from their pension to fund their pension. This is one of the most deceitful moves I have seen… the snake eating its tail.

Does borrowing money from a pension to make a payment into the pension really make sense?

Now at least we can see one honest comment about pensions from a New York City official. It is an honest statement about a universal pension deceit from New York’s Mayor Michael R. Bloomberg.

He said: “If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy’s name is not Madoff.”

This quote comes from a New York Times article entitled “Public Pensions Faulted for Bets on Rosy Returns” by Mary Williams Walsh and Danny Hakim.

Here is an excerpt: Few investors are more bullish these days than public pension funds.

While Americans are typically earning less than 1 percent interest on their savings accounts and watching their 401(k) balances yo-yo along with the stock market, most public pension funds are still betting they will earn annual returns of 7 to 8 percent over the long haul, a practice that Mayor Michael R. Bloomberg recently called “indefensible.”

Now public pension funds across the country are facing a painful reckoning. Their projections look increasingly out of touch in today’s low-interest environment, and pressure is mounting to be more realistic. But lowering their investment assumptions, even slightly, means turning for more cash to local taxpayers — who pay part of the cost of public pensions through property and other taxes.

In New York, the city’s chief actuary, Robert North, has proposed lowering the assumed rate of return for the city’s five pension funds to 7 percent from 8 percent, which would be one of the sharpest reductions by a public pension fund in the United States. But that change would mean finding an additional $1.9 billion for the pension system every year, a huge amount for a city already depositing more than a tenth of its budget — $7.3 billion a year — into the funds.

But to many observers, even 7 percent is too high in today’s market conditions.

“The actuary is supposedly going to lower the assumed reinvestment rate from an absolutely hysterical, laughable 8 percent to a totally indefensible 7 or 7.5 percent,” Mr. Bloomberg said during a trip to Albany in late February. “If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy’s name is not Madoff.”

In short, most pensions are relying on unrealistic projections to have enough to meet their obligations. This is a very neat form of hidden inflation.

Seven percent may be a long term

Here are three simple facts can help you spot distortions in equity markets.

The first fact. Overall we should expect the global economy to grow at about 3%.

This first fact was confirmed by Alan Greenspan in his excellent book, “Age of Turbulence”. He wrote:

“A major aspect of human nature-the level of human intelligence-has a great deal to do with how successful we are in gaining the sustenance for survival. As I point out at the end of this book, in economies with cutting-edge technologies, people, on average, seem unable to increase their output per hour at better than 3% percent a year over a protracted period. That is apparently the maximum rate at which human innovation can move standards of living forward. We are apparently not smarter to do better.”

This gives us a baseline for how much an investment should grow.

If an economy rises faster than 3%, it is distorted. During early stages of excessive growth, investors will be attracted. Shares will rise faster.

If the economy remains robust, shares become overbought. Then watch out! A correction will come.

This leads us to the second fact which is “All investments have risk”.

Rather than wasting time trying to avoid risk…which cannot be done, investors should look at three risk elements instead.

#1: How much risk is there in any particular investment?

#2: What perceptions do the markets have of the risk?

#3: What risk premium is due?

Bank accounts and government bonds, for example, are perceived as the safest investments (especially if government guaranteed). A look at their long term history shows that they pay about 3%. So if a bank account or government bond pays less…in the long term it’s bad. If it pays more…that’s better. Yet the idea is that bank accounts will not really make money. They will just keep up with growth…at 3%.

To get real growth requires taking risk. If an investment appears to be less safe it will pay more than 3%. This is called a risk premium.Bonds pay more than bank accounts because they are perceived to be less safe. Stocks pay more than bonds because they are perceived even riskier. Emerging market stocks pay more than major market stocks. Emerging market bonds pay more than major markets bonds.

Over the long run, bonds issued in countries and currencies perceived to be stable pay 5% to 7%.

Stocks in major countries should pay 7% to 10% annual return in the stock market as a function of global growth, long term earnings growth plus risk premium (above bank accounts and bonds).

To attain higher growth than 7% to 10% investors must either increase risk, trust luck or spot distortions.

This is good because the market is almost always wrong. Most investors always trying to avoid risk. Most investors dump their wealth into investments that are perceived to be safe. This creates excessive demand and lowers value and actually makes the perception wrong.

Knowing this helps wise investors spot deceits in the dimension of time.

Take, for example, the emerging market trend that has been created by an imbalance in labor costs around the world.

There are 6.6 billion people on this earth (give or take a few hundred million). 1 billion of these people live on a dollar a day. 2.5 billion live on two dollars a day. This means that there is a vast pool of cheap labor that can create goods at bargain prices. Mature economies are buying these goods at such an increased rate that 20% of all goods produced now cross a border, mostly from poor countries to the rich.

This means that emerging economies are growing much faster than 3%. They are catching up and this has caused major markets to slow down.

Yet emerging economies are perceived to have greater risk.

Smart investors have seen the value create by this distortion and have been cleaning up. They have been paid a huge risk premium when the risk has not been real!

The risk has been eliminated by low labor costs in poor countries and improvements in communications and transportation.

From 200o to 2010, the average annual return on emerging markets was 19.81% compared to 10% for major markets.

The Emerging Markets longest down turn was six months and the biggest drop 55%. For major markets the longest down turn was also six months and biggest drop 53%.

So we can see that there has been no more risk in emerging markets than major markets… plus the upside has been much better. This has now changed and you’ll see why below after looking at the third fact.

The third fact is that periods of high performance are followed by times of poor performance.

Emerging stock markets have outgrown major markets by about 7.5 times in the last seven years. Yet their economies are only growing about twice as fast.

Major markets have grown on average about 6.5% per annum for the past seven years….a little below what they should.

This has led to the point where emerging equity markets around the world correct down and major markets up a bit.

Yet in times of global panic as we have seen, all markets tend to drop. This means that at this time, major markets which may have been somewhat undervalued and should be rising are being pushed down by the drop of emerging markets (which should correct themselves).

Understanding these three facts leads us to know that a portfolio of European shares is a great bargain at this time…. but there is a special time risk.

Micheal Keppler stated in his latest major market valuation:

In my more than 30 years’ experience, I have never seen such a bad sentiment towards continental Europe. After a strong start in 2012, chances are good for a continuation of rising stock prices in general for the coming years.

If history is any guide, chances are better still for the Major Markets Top Value Model Portfolio.

This view is supported by our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index, which now stands at 15.3 %, down from 17.6 % last quarter.

The upper-band estimate of 13,835 by March 31, 2016 implies a compound annual total return of 20.7 %; the lower-band value of 9,223 corresponds to a compound total return of 9.0 % p.a. Even our worst case makes equities look attractive — please see chart below, which shows the entire real-time forecasting history of Keppler Asset Management Inc. for the Equally Weighted World Index.

These numbers are based on relationships between price and value over the previous fifteen years. Given the current low levels of interest rates – real rates are negative in most places – I would like to point out that we do not have to be right with regard to the magnitude of our projections, but only directionally for investors to make money.

This is why we have been recommending High Yield shares at this time. Most are major market equities that provide income and growth potential… plus make it easy to diversify. This is why we are weighted into Northern European and Italian banking shares shares that we feel offer extra special value and extra risk premium.

There you have it. Understanding the 3% solution and what markets have done shows a distortion. Blue chips may be oversold more than emerging shares now.

In the long term, emerging shares will rise. Poor people remain and are willing and able to make goods that others will buy. This will push their economies higher faster than in major economies. Yet for now the three percent solution shows that major markets and high quality shares are more likely to recover from the current doldrums first.

We looked at the market and asked ourselves “Where will the money go?” and we believe investing in “global Gorillas” with world wide income, good cash flows and revenues will be the place to be. Cash pays nothing, bonds are low yielding and commodities have done nothing for 9 months.

JGAM’s latest update said: We have decided to sell our positions in Carlsberg and FLSmidth & Co and establish new positions in Vodafone Group and Nissan Motors. Additionally, we have added to some of the existing positions in defensive and/or dividend paying stocks such as Nestlé, PepsiCo Inc., Statoil and Novartis.

Global investing has proven itself to be more profitable. Why not? Modern communications and transport coupled with a vast pool of low cost labor almost guarantees this fact. Now knowing three more facts based on the 3% solution can give you an edge when it come to taking advantage of the ups and downs in this global trend.

However we have to take into account the impact of time

A look at the Dow Jones Industrial for the past 10 years shows great volatility.

We can see this better in this long term global equity chart at www.affinity-consulting.com

Global equity markets are quote high now and we can see the formation of a head and shoulders pattern suggesting a downturn.

Investments in the overall performance of global equity markets in 1999 made a nice profit if held until 2007. There was a window of profit taking for about one year (2006 to 2007).

What if we have another downturn and it takes as long as it did from 1999 to 2006?

Can you or your pension wait for another eight years before you start to take funds?

This is one reason why we are more focused on good value shares (more likely to rise sooner), good value dividend paying shares (that can provide income so they do not have to be sold at a bad time), good value real estate (can earn rental income) and your own micro business.

Markets will rise. Markets will fall. Global population will increase and the global economy will expand. History suggests that these are fundamentals we can depend upon unless there is a really major disaster. However these fundamentals only work for us when we give them enough time. Plus global institutions have enough risk now that a downturn (if the EU divides for example) may take longer than normal.

We should not rely totally on pensions that have not adequately protected against the risk of time (assuming 8%… even 7% growth is a sure sign they have not). The way to be sure you have extra income and enjoy life to the fullest is to have a purpose that also creates an income.

Here are seven tips on how to fight hard times… plus a recorded interview on where to invest in 2012.

Yesterday Scotland really celebrated the New Year. This is perhaps the biggest holiday of the year and there are some good hardy Scottish traditions behind this celebration. Cleaning the house on 31st December and clearing all your debts before “the bells” at midnight are two.

Wouldn’t the world be different if all of society actually did that? The hard times faced now are based much on the fact that governments around the world have not been willing to clean the house each year.

“First footing” is part of the celebration as well and to ensure good luck for the house, the first foot should be male with symbolic coal, shortbread, salt, black bun and whiskey.

I hope there was one of the “First Foot” in your home. Instead of whiskey and short bread (almost certainly not in your resolutions)… here are seven steps we all can take to prosper in hard times… or any time.

Plus there is a 38 minute interview with Thomas Fischer of Jyske Bank on what the economy holds in 2012 and what to do in the year ahead after these seven steps .

The steps below are good for prosperity anytime. When economies boom, we might ignore them and succeed. If we ignore them now during a recession, it is at our peril.

#1: Look for every way you can to trim expenses.

#2: Do not be inflexible or proud. A seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.”

That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed those habits when he went broke, it will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things (luxuries for instance) are our inalienable rights. Really our only economic right is to spend a little less (maybe 90%) than we earn.

#3: Always save. No matter how tough the times always try to save at least 10% of your income. Those who do this almost never run into economic trouble.

#4: Look harder for the silver lining. There are more opportunities in bad times than good. An old British saying is “Where there is muck there is brass”. Business is solving problems and difficult times create problems. Look for ways that you (and/or your investments) can help others squeeze through tight times.

#5: Be positive. One of the greatest risks in recession is a can’t win attitude. If the economy falls drastically (say 30%), you still only have to be in the top 70% to get by. The entire history of modern humanity has been one of long term growth chopped by short term recessions. Current conditions are nothing new.

#6: Remain true to your economic plan. Use three phase investing.

Do not panic. Stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective. Rethink Priorities. Use a slowdown to rethink your grueling schedule. Think about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race.

Here is a 38 minute interview with Thomas Fischer of Jyske Bank on what the economy holds in 2012 and what to do in the year ahead.

Delegates of either our January or February seminars in Mt. Dora can also attend the New York seminar FREE.

Thomas Fischer and Jyske Global Asset Management will host a one day New York seminar on where to invest in 2012 with David Darst of Morgan Stanley and Peter Berizin of BCA Analysts.

This is an incredible opportunity because David Darst is managing director and chief investment strategist at Morgan Stanley, Smith Barney with responsibility for asset allocation and investment strategy. He was the founding president of the Morgan Stanley Investment Group after he joined Morgan Stanley 14 years ago from Goldman Sachs where he held senior management posts within the Equities Division and earlier, for six years as resident manager of their private bank in Zurich. He earned his MBA from Harvard Business School and was awarded a BA degree in Economics from Yale University. He has lectured extensively at Wharton, Columbia, INSEAD and New York University business schools. For nine years he served as a visiting faculty member at Yale College, Yale School of Management and Harvard Business School.

Wow… what a resume.

David is an incredibly powerful speaker and a key part of his beliefs is that the power of American innovation could create a huge positive economic recovery and this offered excellent investing opportunity.

Gary Scott and Peter Berezin.

Peter Berezin is the managing editor, of Bank Credit Analyst (BCA). BCA Research is one of the world’s leading independent providers of global investment research. Since 1949, the firm has provided its clients with leading-edge analysis and forecasts of the major financial markets, with clear and focused recommendations for investment strategy backed by time-tested proprietary indicators. BCA Research provides its services to investors in more than 90 countries through a range of products, consulting and conferences.

Peter joined BCA Research in 2010, as managing editor and member of the BCA research team. Previously for three years he was Vice President and Senior Global Economist with Goldman Sachs in New York. Prior to joining Goldman Sachs, Peter spent 7 years with the International Monetary Fund. He has a Ph. D in Economics from the University of Toronto, a Master of Science (Economics) from the London School of Economics and a Bachelor of Arts (Economics) from McMaster University. He has extensive experience in analyzing global economic and financial market trends.

Thomas Fischer will lead this seminar and will bring what he learns and share with us at the February International Investing and Business seminar.

However if you enroll in either of our January or February seminars you can meet these speakers in New York this January FREE.

This is an important time to have timely advice from such experienced speakers because the current tough economic times increases opportunity, IF, finances survive!

Better still become an International Club member and attend both these and five other seminars or more FREE.

Belong to the International Club

The Huge 2018 Risk

Here is a huge risk that could explode in 2018.

I hope I am wrong.

According to Treasurydirect.com, as of October 31, 2017 the cost of interest on the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem. The other 20 trillion is.

This is good news and bad… the rock and the hard spot. The bad news is that the rock (US federal debt) is getting bigger….harder to miss. The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that. Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong?

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there. The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt. Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008. Yet the debt is over 100% higher.

Very low interest rates have helped the government borrow. Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot. The downside is that low interest has reduced earnings of investors. Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years. Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis. If government interest goes to 6% it is like the $20+ trillion national debt rising to 100 trillion! Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase? The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with. This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin. Raise rates the massive national debts ruins the purchasing power of currencies. Keep interest rates low and capitalism does not work for investors. Politicians simply borrow more (on our behalf) but for their benefit.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power. My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world. Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever. To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years. Each has allowed us to always stay ahead of losses that the majority of Americans suffer. We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below. Though the greenback has been strong for a number of years, its strength is in serious jeopardy. The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power. The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down. National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now. Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit. Look at the cost of your prescription or hospital bills. Do something simple like have your car serviced at an auto dealer. Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well.

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left. According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell. Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care. Big banks and corporations restrict our freedom of choice. The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs. They pay almost nothing on our savings. They hide unexpected fees and payments in complex and unreadable documents. Banks and big corporations routinely conceal vital information in small print and then cheat. Weak regulations and lax enforcement leave consumers with few ways to fight back. Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job. Many consumers are forced to accept “arbitration clauses” in lieu of legal rights. The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy. Internet companies sell our personal data. Personal information is pulled from WiFi and iPhones track and store our movements. The government can access this information, sometimes without subpoenas. There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems. The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles. The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons. The 2.2 million people currently in jail is a 500 percent increase over the past thirty years. 60% of the inmates belong to ethnic groups. Not just non-white ethnic groups are suffering. Annual death rates are falling for every group except for middle-aged white Americans. Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking. Nearly half of America’s income goes to upper-income households now. In 1970 only 29 percent went to this group. How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle.

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles. Our courses, reports and email messages look at ways to gain:

#1: Global micro business income.

#2: Low cost, natural health.

#3: Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits. They focus only on health or on earning more or on better, easier investing.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits. The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2018 NOW.

The three disciplines, earning, health and investing, work best when coordinated together. Regretfully the attacks on our freedom are realities of life. There is little we can do to change this big picture. However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”. Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”. Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen. Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health. One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there. Governments and health care agencies agree – antibiotic resistance is a “nightmare.” An antibiotic-resistant bacteria may be spreading in more hospitals than patients know. About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals. This is why charge masters are so often secret. There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95. However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses. We call this our “Live Well and Free Anywhere Program”. The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

This program is offered at $299, but is available to you as a club member free. You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value investments that increase safety and profit. Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies. These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad. The behavior gap is created by natural human responses to fear. Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio. There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #4: Use trending algorithms to buy sell or hold these markets.

Pi Tactic #5: Add spice speculating with ideal conditions.

Pi Tactic #6: Add spice speculating with leverage.

Pi Tactic #7: Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1: Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return

#7: Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets. I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy. The analysis is rational, mathematical and does not worry about short term ups and downs. This strategy is easy for anyone to follow and use. Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat. Expense ratios for most ETFs are lower than those of the average mutual fund. Little knowledge, time, management or guesswork are required. The investment is simply a diversified portfolio of good value indices. Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

Club members receive a report about opportunity in the current strength of the US dollar is a second remarkable similarity to 30 years ago. The dollar rose along with Wall Street. Profits came quickly over three years. Then the dollar dropped like a stone, by 51% in just two years. A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago. The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.” This report shows how to earn an extra 50% from currency shifts with even small investments. I kept the report short and simple, but included links to 153 pages of Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000). There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2018” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events. The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV). The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2018”. The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times. The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2018” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do. There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income. Scientific research has shown that being in such places actually make you smarter and healthier. Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places. More important learn what makes them special. Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire. (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Thomas began his banking career in 1975. In 1978 he started in the trading room as a Foreign Exchange dealer, and spent the next 22 years on the telephone trading currencies. During this trading career he spent 2 years in London and 10 years in Germany where he was head of the international currency section of a major German brokerage company.

During his time in Germany he successfully completed an MBA focusing on the external environment and corporate finance. In 2000 he joined Jyske Bank Private Banking and was promoted to Manager of International Client Relations in 2001.

In 2008 Thomas joined the newly established Portfolio Management Company Jyske Global Asset Management (JGAM), as a Senior Vice President. He is a member of JGAM’s Investment Committee focusing on our Foreign Exchange strategy. He travels the world giving presentations about the markets and the investment opportunities.

Better still meet Thomas Fischer this June 24 to 26, 2011 in person at our International Investing seminar.

International Investing & Business Made EZ
West Jefferson , North Carolina, June 24- 16 2011

Friday, June 24:

9:00 1000 Year Economic Review’ Power of Diversified Portfolios.
10:30 Coffee Break.
11:00 Where to Invest Now? How to Cash in on the Multi Currency Evolution.
12:00 Lunch
2:00 High Value Shares.
3:00 Coffee break
3:30 Commodities Gold & Silver.
4:30: Risk On or Off and Trading Down. Model Portfolio Reviews… small to large.
5:00 End of Session

Here’s one way to get a good start in the new year. Let my 2009 error make you a hero in 2010.

Sometimes… no matter how much experience… there are ways to screw up… as I recently did.

See below how this mistake can not only bring extra cheer to you in 2010… but can help you gain wealth… better health… asset protection and make you a hero (or heroine as the case may be) as well. Plus save you some cash as well!

First let me share how rosy our holiday has been… filled with Ecuador roses. (Roses like this will be part of your heroship because in a minute you’ll see how to get an Ecuador rose bouquet absolutely free…. exactly at the most important time.)

We received 100 roses… we had ordered 50 and a kind reader sent us 50 more. Thank you Barry! After sharing, we still had a number of wonderful bouquets around the house.

Some have become wilted by now.

Though they are not so great on the stems… they still look good on…

off the stalks on…

our dining room table.

The pinks really held up and remain in our kitchen.

These roses lasted nine days because we care for them. Instructions are included when you get Ecuador roses.

Other good ones have regrouped into a New Year’s bouquet standing in our living room.

Readers loved their Ecuador roses as well.

One wrote: Just wanted to send a note about the roses. They are breathtaking. We cannot believe just how beautiful they are. Arrival was exactly on schedule, again they are perfect. We got them for our own house, which is an Assisted Living Facility for the Developmentally Disabled, six men with mental challenges live here with us. But the roses are so lovely we are allowing them to take some to their families. We want to thank you and yours for sharing with us such a lovely gift. Makes us want to move even more. You will definitely be getting more orders in the future from us AND our friends.

Now let me confess… my screw up. Then we’ll share two great benefits (an Ecuador rose gift and more) that this error can bring to you.

Merri and I have been conducting seminars for over 30 years.

In that time we have learned many lessons. For example… one important lesson is… do not conduct a seminar anywhere near Christmas, Easter or Valentine’s Day.

So what did I do for 2010?

Before I admit everything, please let me mitigate this screw up by saying that scheduling these events is not the easiest task in the world.

One has to take into account US holidays, Canadian holidays…. Ecuadorian holidays… religious holidays of all sorts… what one’s competitors are doing, what our friends at Jyske Bank are doing plus in 2010 we have a Cotswold wedding to factor in (our youngest daughter is to be married… yea!) as well.

Plus our business has really boomed. By last October, when we normally schedule our seminars for the year ahead… I was already being bombarded with requests for a 2010 schedule.

What more can I say. I simply goofed under pressure and set up our first ever expanded Quantum Wealth International Business & Investing seminar for Feb. 11-14 in Mt. Dora, Florida.

In other words this course’s schedule is not near… not close… but right on Valentine’s Day. I shudder!

Plus once our schedule is set and reservations come in…the dates are pretty well set in stone. In the last 30 years or so I have missed a seminar only twice… once when my dad died and once last year when my mother had a serious illness. (She has recovered really nicely thank you very much).

If Merri, our kids and my mom (plus me of course) are breathing and are likely to continue to do so for a week… then our seminars are conducted!

So I realized: “I had to turn lemons into lemonade.”

I had to create a Valentine’s celebration as part of our February seminar.

I have done this in three ways so here is what I am going to do for you…. to make you a Valentine’s hero!

If you attend our course this February 11 to 14 and bring your partner! I’ll give you a bouquet of beautiful Ecuador roses to enjoy at the seminar. If your spouse does not come, you can take the roses home… The course ends about noon so you can get back home on Valentine’s Day, and with some of the nicest roses you can imagine, to say “Happy Valentine’s Day”!

You’ll be a Valentine’s hero!

Yet there are two more great Valentine’s treats in the works… that will make you a Hero with a capital H. We’ll see these other benefits in a moment.

First, let me describe the benefits (beyond being a Valentine HERO) of attending the seminar.

The seminar begins in Mt. Dora (about an hour from Orlando airport) Thursday February 11 with “Quantum Wealth” a one day workshop conducted before our regular Florida International Investing & Business Made EZ seminar.

This workshop helps you learn how to attain wealth continuously, effortlessly, in a fulfilling, enjoyable and positive way. This workshop will help you stop worrying about money, bad governments, the falling dollar… inflation and all the future other horribles. Quantum Wealth reduces stress… improves health and helps income to flow from doing what you love.

We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for decades… but our February 2010 Florida schedule made it possible to devote an entire day to this portion of the course.

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

The foundation of Quantum Wealth is to integrate:

* Logic with intuition. The benefit is increased prosperity from better adaptation to change.

* Desire with action. The benefit is more enjoyment and fulfillment from life.

* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.

Join us here, this February at…

our new Florida home…where we will enjoy a Valentine’s Day celebration.

Bringing delegates to our home for a home cooked meal is an example of a quantum wealth benefit.

This is fun.

Yet there is more. This process helps delegates hear, see and feel the authentic reality of the ideas we share. We do not spout ivory tower, unattainable theory. Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.

I have never heard of other seminars offering this… an integration of what we speak about with our actual “at home” lifestyle.

Here are the 21 main points we cover in our one day Quantum Wealth Workshop.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection. How Ayurved and Andean relate. Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

#21: How to gain Super Thinking abilities,increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.

There are at least three simple ways to turn on this super thinking ability: meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency. Deep dreamless sleep takes you down to the lowest frequency.

When we allow these waves to interconnect freely we gain unimaginable intellect.

Merri and I meditate twice every day to tap into this energy.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.

This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well.

Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed… and you become smarter. You tap into your higher intelligence and are more likely to have… and enjoy… success.

A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever.The one day Quantum Wealth workshop prepares you to gain more from the international investing segment of the course that starts Friday February 12 when I join Thomas Fischer of Jyske Global Asset Management and our webmaster to review where to invest in 2010.

Here is Thomas speaking at a previous seminar.

Quantum wealth shares our lifestyle. International Business & Investing shares how we create income through service and invest globally… plus shares our most valuable contacts and sources of knowledge.

Inflation makes it increasingly hard for almost everyone to keep up with the faster and faster pace of the rat race that captures most of the world…especially in economic downturns we have experienced for the past two years.

International investments and international business unlocks the restrictions of the rat race.

The second day of the seminar (Friday Feb 12) looks first at multi currency investing. Multi currency portfolios are usually slow moving, safe, conservative investments but they can be really profitable as well.

How safe?

The portfolios we create and review at our courses are composed of mutual funds and shares and are developed with the help of one of the world’s safest banks. The mutual funds and shares are held at that bank at all times.

Suppose we get specific.

That safe bank is Jyske Bank…well established with a history of over 100 years. Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad.

Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England , Sweden , Finland , Russia , Germany , Norway and other countries…they have always had to deal in many currencies.

This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their turnover reaches $50 billion dollars a day.

That’s safe.

Each course reviews global economics and updates ways to adapt and prosper in current conditions.

This portion of the course reviews what I am doing as multi currency investor myself. For example during the 2008 downturn the recent Global Portfolio Currency Breakdown of my own personal portfolio looked like this.

Now I have made another big shift in my portfolio. At the seminaryou’ll see my updated portfolio and why I have made these changes.

Most teachers do not actually share their own personal portfolios… Just as Merri and I share our home and lifestyle, we share how we invest and explain why our portfolio is designed for our circumstances at any one time.

This provides you with two benefits. First, sharing why we adjust our investments helps you understand how to adjust yours.

Second, and most important, we invest real time. The data shared in our courses is about global investments you can make in the here and now. What you learn is not dated theory, but up to the minute fact! Many delegates come to course after course to update their portfolios.

We share our most valuable sources of information as well.

For example, Thomas Fischer Senior VP of Jyske’s Global Asset Management group will join us from Copenhagen to speak about where to place your current international investment allocation… along with four others… six of our friends and most valued sources if data… will be on hand to help you.

My personal investment adviser Anders Nielsen, also with Jyske, will be on hand to speak privately and answer any of your personal questions. Our friend and tax attorney of more than 20 years, Joe Cox will share information at the seminar as well.

Here I am with Anders at a previous global investment session.

Here are a few of the international investing and business subjects we review at this course.

#1: How 100 years of global economics can enhance your international investments and international business now. Learn how history reveals currency distortions that create international investment opportunities to borrow low and deposit high. For example right now you can borrow Japanese yen at below 3%, Swiss francs below 4% to invest in international investments, international business, international real estate or other international currencies that pay 5%, 6%, 7% and even more. In one case we’ll show why it is smart to borrow Swiss francs at 3.75% and invest in international Brazilian bonds that pay up to 10% or more!

Subjects in the international investments sessions include a review of global stock markets, international currencies and international interest rates and how they are shifting versus the greenback.

Another session looks at where to find the best value international investments globally right now, plus how to spot the hottest international investment trends before they become hot.

We also cover how to cash in on currency shifts by making international investments through the Multi-Currency Sandwich (Borrow Low-Deposit High) tactic. This is a perfect time for such international investments using diversification of currencies and taking advantage of the currency distortions that now plague investors around the world.

Currency experts from Jyske Bank (Thomas Fischer was a currency trader for many years and Jyske is one of the major currency trading banks in the world) will provide data at that course on this subject.

We’ll study international investment portfolios that offer the advantage of diversification, in several cases into nine currencies and nine different investments of which more than half have strong A to AAA ratings. We will review any changes made in the international investments portfolios we track and update what and how currencies and interest rates may move in the months ahead.

#2: We’ll look at international investments in emerging stock markets and emerging bond markets as well. 2007 was the seventh consecutive calendar year in which international investments in emerging markets outperformed developed markets. In 2007 the MSCI overall Emerging Markets benchmark was up 23.8 % in US dollars compared to the MSCI World Total Return Index being down 0.08 % in US dollars. See why 2008 fared worse for emerging markets and how this creates more potential value.

In 2008 emerging markets fell faster and further than major markets… but once again in 2009 they led the global investment pack. Anders Neilsen, my Jyske account manager, is one of Jyske’s bond experts and will be on hand to answer bond questions.

This February’s International invest sessions look at which blend of emerging and major markets may work best in 2010.

How profitable?Though Jyske Global Asset Managers have been extremely conservative this year, their managed portfolios have risen between 12.2% and 34.4% depending of the risk profile and the size of arrangement.

Those with more emerging markets in 2009 made even more. The emerging markets index (in US dollars) was up 58.99% compared to 23.05% for the major market index. Over three years the index on emerging markets was up 37.88% versus 17.27% for the world index. The emerging market index was up 35.63% compared to the world’s index rise of 18.43% over five years.

Then emerging markets recorded their highest ever quarterly returns in the second quarter 2009, and posted strong gains for the third quarter, up 37.4% in three months, which ranked as the ninth best in equity market history.

You’ll learn why in 2009 we were investing in BRIC countries (Brazil, Russia, India and China).These 4 countries now generate approximately 27% of the world´s Gross Domestic Product (GDP). The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation. In the first three quarters of 2009, the growth rate for the Chinese economy beat expectations with an outstanding 8.9%. We’ll look at a special BRIC trading idea in our 2010 seminars.

#3: One session will especially focus on international investments in alternate energy and water. For example we’ll see why Hyflux (water cleaning membranes mainly in China ) rose from $1.50 to $5 in less than a year (and why it then fell dramatically). We’ll see why water shares are destined to grow. We’ll look at Vestas (windmills) shares also up from $50 to $106. Plus we’ll update our Green Portfolio. These shares are especially interesting now as they were especially depressed in the global meltdown.

This course goes far beyond just international investments in stocks, bonds and currencies. Other sessions cover:

#3: How to cash in on distortions in international real estate from Ecuador to Lithuania! We have gained much more than just profit and international business and international investing opportunity in our international real estate searches. We have gained incredible luxury, heart- warming sweetness, breath-taking beauty, much better health and pleasant surprises at every turn. Having lived, worked and played in Ecuador now for over a decade and a half, we’ll focus heavily there, but Ecuador real estate opportunity is just one small part.

For example we’ll see how to own Ecuador and Smalltown USA real estate for pleasure and profit.

The third session of the course looks at how have an international business for fun and profit.

Merri and our webmaster, David Cross join me in the third part of the seminar to look at how to have a small international internet business.

This portion of the seminar is highly practical and usable because it focuses on how to start really small…with minimal investments of time and capital.

Plus we show how to stay small (yet highly profitable) if desired. International business sessions include:

#1: How to have an International and Ecuador Import-Export Business anywhere.

We’ll especially zero in on Ecuador export business opportunities in carved wood, ceramics from Cuenca, carpets from Guano, silver and gold jewelry from Chordeleg, paintings and art, textiles from Otavalo, leathers from Cotacatchi and flowers from the Andes . For example you’ll learn how factories make bread dough jewelry that can be fashioned into high school and college mascots and purchased for pennies apiece (to be sold for dollars abroad). You see how the only native American owned mill produces coats, shirts, sweaters, hats, gloves and scarves in school colors of your choice (at really low prices). These can be sold for ten times their cost.

Here is what one delegate to our course wrote: “Warm greetings for you and Merri! I’ll be on that list of Millionaire women very soon, thanks to your wonderful guidance and tips. Thank you SO MUCH for the good work that you both do!!!”

Another shared this: “I love to travel, but since I’m not independently wealthy, I also need to make money. I made one of my dreams come true. I went to Ecuador . I attended Gary & Merri Scott’s import/export seminar, we visited artists, markets and villages. It was a treat to see the great variety of handmade items and meet the friendly artists. I started to see the possibilities. I filled my suitcases in no time. Most of those things were sold to coworkers and friends and covered the costs of my trip. Yeah!”

“I returned to Ecuador in October. I spent two weeks attending Spanish classes in Quito and the next two weeks shopping. Once home, I sold my goods at an international bazaar and again paid for my trip expenses.

“Do I plan to continue? You bet! I have ideas for other places to sell my goods and some great material for travel articles. I am learning more each trip and gaining experience and confidence and most importantly, I love doing it! Attending your workshop was the catalyst that gave me the courage to take the plunge. Thank you for enriching my life.”

#5: How to write and use publishing, seminars and how to use international internet opportunities to create your own global business from your home. You can run your global business from an office or at home! The internet makes this more possible than ever before.

In the course we use case studies of what we are doing now to show how to start small and grow on the internet! Imagine this. Merri and I have a tiny international business. Just two of us run this operation from a remote farm in the Blue Ridge, a small village in Ecuador and the Florida countryside. Yet our website is ranked among the top 20,000 sites in the USA.

By starting small and building with stepping stones and harmonious foci we now almost own several profit generating phrases at Google.

At the course, we look at how we use the Seven Ps (Person, Problem and Promise, Product) to zero in on key phrases. Then we use the Fifth P Promise to develop new customers. The Sixth P the Prospecting Path and Seventh P the Presentation we use at the internet.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“

You will learn how to use the same system to expand (or start) your business globally!

#6: How to Cash in on Smalltown USA.

We’ll look at properties for sale in Central Florida. These areas have two unique features. First, they offer great real estate value. Second, they are great places to visit and live and do business.

Many readers combine a trip to our Florida or Blue Ridge courses with a chance to look around and inspect some property for sale. Learn how demographics and population push (plus the water) and new Florida investments that have come to this area are likely to make this a hot spot in the decade ahead. In Florida they often visit Orlando about an hour away… plus look at the great lake front properties available at really low prices.

We’ll introduce you to brokers we have used in Florida at the seminar.

#7: How to use the latest tax savings and offshore legal structures to gain the ultimate asset protection. Learn how to gain more than cash-freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self-sufficiency, fulfillment and more satisfaction…by combining very small amounts of money with your time and energy in an international business. Our friend and attorney for more than 20 years… Joe Cox will be on hand to speak and answer your questions also.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, insurance agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business.

Plus more.

We have invited more speakers than we have had in a decade to share this learning experience with you… at this seminar course… for ideas on health… green and quantum investing… asset protection and global business.

Quantum Health…. Sheri Clary. Sheri helps us with our health. Sheri is a nurse practitioner who with her husband, James Clary MD, have been helping delegates learn natural ways to improve their health. Specializes in hormonal balance using bioidentical compounds.

Quantum Investing… Ted Tidwell. Ted is the founder of 1st Envirosafety the maker of Ted’s Stuff… a colloidal compound that has been helping farmers globally as well as helping create global business opportunity for Americans and Canadians moving abroad.

Quantum Asset Protection Joe Cox. Joe has been my friend and attorney for more years than I care to remember. He specializes in estate planning, insurance, trusts and taxation is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written hundreds of articles and books concerning income tax and irrevocable trusts.

Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.

Third, the Valentine’s Treat. The February seminar can help you live, work and invest better… but remember I promised a third benefit that Merri and I have added to make you a Valentine hero.

We have booked all four days of this course to be conducted in a very romantic place, the Lakeside Inn in Mt. Dora Florida and have arranged discounted room rates for you.

The Lakeside inn is a ‘National Historic Treasure’, listed on the National Historic Register, that has continuously operated as an Inn for more than 125 years, the oldest operating Inn in Central Florida.

The Lakeside Inn is located 40 miles Northwest of Orlando in in Mount Dora… our shopping town and known as the “New England” of Central Florida.

Mount Dora is the Antique Capital of Florida, where the Renninger’s Twin Markets draws thousands to the Antique Mall and Flea Market, along with downtown Art Shows, Craft Fairs, Music Festivals, Theatre, Antique Shows, Classic Wooden Boat Shows, Sailing Regattas and Holiday Lighting Ceremonies and Parades. The Captain Doolittle Eco Tours and Mount Dora Trolley and the antique train leave right from the Inn for daily excursions.

You’ll be able to enjoy this romantic view. The inn sits on Lake Dora.

When you enroll, we’ll send details on how to book a room for the seminar at the exceptionally low rate of $129 a night.

You are a Valentine’s Hero in Three Ways.

There you have… along with all the benefits of quantum wealth… international investing and business you get Ecuador roses, a Valentine’s party at our house and can stay with your Valentine at the incredibly unique and romantic Lakeside Inn.

There are three ways to attend our February tours.

Option #1: Come for the four day quantum wealth… international investing and business seminar.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Option #3. If you plan to attend six or more seminars and tours in 2010 save with an International Club membership. See how to save here.

International investments and business can help your money grow and stop losing its purchasing power.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business. Plus everyone wishes to improve their lifestyle… have better health and more ease in receiving income.

If you have or want to make international investments or have your own full or part time international business, you should contact us and make a reservation.

Your friend,

Gary Scott

P.S. One section in the Mt. Dora seminar shows how I turn a $950 direct mailing into $118,500 in three weeks. I added $9,875 a month to my income! This information is worth the cost of the course alone.

When Merri and I first arrived in Ecuador the currency was the sucre and it took 3,000 sucre to buy one dollar. About five years after we arrived the sucre had dropped to about 8,000 sucres to buy a US dollar. Then a decade ago the Ecuadorian economy went into self destruct and the sucre collapsed all the way to 25,000 sucres per dollar.

The dollar still goes a long way in Ecuador. You can still buy beach condos like this for under $24,000.

This created incredible real estate bargains. I began buying Ecuador real estate which is one reason I can sell Ecuador real estate now at below the market and still make a decent profit.

Large fixer upper houses like this in the Andes can still sell for less than $29,000.

However getting out of the sucre into the greenback was in a way like jumping out of the frying pan into the fire…. because since then the US dollar has dropped a lot in value compared to other currencies such as the euro. Excerpts from our latest Multi Currency portfolio report show this fact. Here is what that message said:

Since we are beginning a new decade it makes sense to look back a decade at the past multi currency action.

A reader just sent this note: Dear Gary, I am worried by the breaking news that the “Bolivarian Alliance” is creating its own currency.

The news says: “Countries of the Bolivarian Alliance for the Peoples of Our America (ALBA) agreed to introduce regional common currency, the SUCRE…”During the ALBA summit on Dec. 13 (In Cuba), nine member countries including Antigua and Barbuda, Bolivia, Cuba, Dominica, Ecuador, Honduras, Nicaragua, Saint Vincent and the Grenadines, and Venezuela announced the introduction of new virtual currency in January 2010.” Thanks.

These countries have been announcing this type of stuff for quite some time.

Announcements by governments are easy. Actions not so much so. Getting all these countries to actually do something together is not such an easy task. Not much has happened from the 2007 announcement and I do not expect much to happen from the 2009 announcement.

Most of the countries above face enormous social and economic challenges in the decade ahead. Keeping their own currency stable will be hard enough. Creating a new one easy… but maintaining it hard. Getting all these nations to work together to create one currency seems pretty unlikely.

The European Union and euro whose nations enjoyed much greater economic success and stronger political stability, than the nations above took decades to create. The euro was driven by a real fear… a repeat of WW I and WWII. Yet the euro has taken many decades to form.

Should we expect quick action for a union by Antigua and Barbuda, Bolivia, Cuba, Dominica, Ecuador, Honduras, Nicaragua, Saint Vincent and the Grenadines, and Venezuela? Remain watchful but do not expect anything too soon.

A better way to answer the US dollar dilemma is to invest in the best value BRIC countries (Brazil, Russia, India and China) and speculate on the ups and downs of their value.

Here are excerpts from a recent Multi Currency Update I sent to our multi currency portfolio subscribers.

BRIC currencies make sense because these countries are still viewed as emerging markets… but they now are major economies.

Together, these four countries generate approximately 27% of the world´s Gross Domestic Product (GDP).

The BRIC economies are also growing faster than in the Western world. The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation.

The future growth of the global economy depends largely on the BRIC economies continuing growth.

The simplest way to invest in BRIC economies is with a BRIC ETF like iShares MSCI BRIC Index Fund. This ETF tracks the MSCI BRIC Index and invests in about 260 different companies in these four countries. Invest and leave the investment alone for long term growth.

Jyske Global Asset Management recommends BRIC allocation as below :

If you have a Low Risk profile : up to 5%
If you have a Medium Risk profile : up to 10%
If you have a High Risk profile : up to 15%

A more complicated but potentially more profitable approach is to weight your investments more heavily in the good value BRIC countries and sell shares in the BRICS with poor value.

Heavier speculation could buy the good value BRICS and short the low value BRICS.

For example you can see below why right now may be a good time to sell investments in India and invest in China.

A March 2009 report entitled “Ecuador Economic Worries” shows why the dollar’s fate is not so important to Ecuador when it says:

A number of readers have sent questions about Ecuador economic worries. One regular Ecuador economic worry I receive is that Ecuador will stop using the US dollar as its currency.

There is little doubt that Ecuador’s economy is in a mess.

Which economy is not?

We’ll look at this Ecuador economic worry in a moment, but to put this worry into perspective, may I share some other economic worries at the same time… plus post some photos from our friend, Dennis Goff… such as this shot from a boutique hotel in Manta, Ecuador where you can stay for $52 a night.

Ecuador has economic worries, yes, but are they worse than the economic worries in Europe or the US? The photos show that while we worry we can be in paradise on a shoestring budget.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

But our 2009 International Club membership which allows you and a guest to attend as many of the 56 courses and tours we’ll sponsor and conduct in 2010 (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 in January 2010. Enroll in the International Club now at the original fee of $2,999. Save $501.

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses. They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for more than a decade… but our February 2010 Florida / Ecuador and North Carolina / Ecuador split sessions has make it possible for us to create an entire workshop to help our readers.

The “Quantum Wealth” workshop is free to delegates of our seminars and tours.

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

The foundation of Quantum Wealth is to integrate:

Logic with intuition. The benefit is better adaptation to change.

Desire with action. The benefit is more enjoyment.

Good health with everlasting wealth. The benefit is reduction of stress and more energy

Join us here, this February at…

our new Florida home. Save more by enrolling before December 11, 2010. I’ll explain how and why in a moment. First more on how super thinking creates quantum wealth.

Bringing delegates to our home for a home cooked meal is an example of a Quantum wealth benefit. This is is fun. Yet there is more. This process helps delegates see the authentic reality of the ideas we share. I have never heard of other seminars offering this… an integration of what we speak about and what the ideas we share achieve.

Here are the 21 main points we cover in our one day Quantum Wealth workshop that you can attend free when you enroll in our of our seminars or tours.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation

#4: The Andean – Indian Connection. How Ayurved and Andean relate. Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

This optional, free Quantum Wealth workshop shows how to apply the intelligence to business, investing and lifestyle.

We have blended this method of gaining increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.

There are at least three simple ways to turn on this super thinking ability: meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency. Deep dreamless sleep takes you down to the lowest frequency.

When we allow these waves to interconnect freely we gain unimaginable intellect.

Merri and I meditate twice every day to tap into this energy.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.

This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well. Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed.

This is a simple as listening to relaxing Baroque music such as Handel’s Water Music. A few others compositions at this cycle include Corelli’s Concerti Grossi, Op. 6, Violin and Orchestra in No. 2, 8, 5, 9. or J.S. Bach’s Fantasy in C Minor and Trio in D minor or Vivaldi’s Five Concertos for Flute and Chamber Orchestra.

Music has been used for centuries to induce states…babies being lullabyed to sleep, sea chanteys and harvesting songs to ease workers while laboring. Eastern mystics and South American shaman have used music to carry them to unusual states of consciousness.

The Soviet psychologist, I.K. Platonov, found it was possible to just use a metronome beating at 60 to enable the mind to take in and hold more strongly.
In choosing a recording of a slow movement, simply check that the tempo is about 60 beats a minute. When a composer writes a piece of music, he indicates the speed at which he wants each of the different movements or segments to be played.

These indications of tempo are generally given in Italian. You will often see them on the different movements of a concerto. For instance, allegro indicates a tempo of around 120 – 168 beats to the minute, andante around 76-108, adagio from around 66 to 76, larghetto 60 to 66 and largo 40-60 beats to the minute. Some performers and conductors may set a tempo somewhat faster or slower than what the composer indicated. To check out the tempo of a recording, be sure it’s at around 60 beats a minute. You can check it with a metronome or against a clock with a second hand. It’s LARGO that we are striving for.

Here is a portion of the music list provided with that study.

Bach, J.S.: Largo from Concerto in G Minor for Flute and Strings. Bach and Telemann Flute Concerts and Aria to The Goldberg Variations.

Corelli, A.: Sarabanda (largo) from Concerto #7 in D Minor.

Corelli: 12 Concerti Grossi op.5

Handel, G.F.: Largo from Concerto #1 in F. Music from the Royal Fireworks.

Telemann, G.: Largo from Double Fantasia in G Major for Harpsichord.

6 Fantasias for Harpsichord Vivaldi, A.: Largo from Winter. The Four Seasons

A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life.

Enjoy our split courses. Spend four days with Merri and me learning Quantum Wealth and International Business & Investing Made EZ. Then travel with our group to Ecuador (& save on our group air fares).

On the Imbabura Ecuador real estate tour there is a visit to food markets… another to Otavalo the largest native crafts market in in the world.

Delegates at Otavalo market see crafts and…

food.

Another day Chachimbiro hot springs is enjoyed .

Delegates stay in the colonial Meson de las Flores Inn next door to the Museum of Cotacachi where the course is conducted. Here are delegates enjoying a coffee break at Meson.

The Ecuador hotel stay can be as little as $59 night (per room) and tax (including a magnificent breakfast)!

Another day provides a visit to the leather market of Cotacachi, the village of the weavers.

There are also visits to shamans.

Delegates at a shamanic ceremony.

Delegates see and hear local musicians and…

see local dancers.

They also enjoy exotic sites and the majestic Andes:

Finally this learning course helps eliminate the suffering of poverty. Gary and Merri Scott, along with Dr Joe Spano and Joe Cox donated hotel Meson de las Flores to the Land of the Sun Foundation which helps the poor. Here are two of the many homeless that are fed daily at the hotel.

Land of the Sun also provide scholarships to educate Ecuador children like this.

We hope you will join us in Florida and Ecuador, the Land of the sun.

All group travel by coach travel to and from Quito plus during the course. Private travel, accommodations and food are not included.

(Be sure to show in the comments section which courses and tours you are attending)

Here are what a few people say about our courses.

“Hi Gary & Merri, You two are the BEST!!! Your Seminar was fantastic! I am so excited. I had procrastinated fulfilling my continuing education for my Broker’s License and then just before my surgeries, I realized my expiration date isn’t Nov. 12th – it is Sept 12th. Well, as you can see prior to taking your course I had only completed 3 units of the required 45 units. I thought I would take your course and then complete my remaining 42 units over the next 2 weeks. However, I took one class exam on Saturday night, August 27th. I didn’t even take the cellophane off the required Course manuals until after I saw the two of you today less than 5 hours ago! I used your techniques and completed 39 units of continuing education today. I have now completed all 45 units. All of my test scores were in the 90.6-96% range. My course exam information is listed below. I just wanted to let you know how valuable your course was to me. Thanks again!” Suzy Kurinsky

Hi Gary and Merri, I wanted to thank you so deeply for a wonderful informative 3 days this past weekend in North Carolina. I learned a lot, was completely stimulated in many realms and found your attitudes, goals and ambitions refreshing and wonderful. So thank you thank you thank you. I was not disappointed. Merri had assured me I would not be and she was right. I hope to stay in touch and again I thank you so much for the knowledge and life philosophy you shared with us all. Renie

Dear Gary and Merri, We were so excited by all the possibilities that came up at the IBEZ seminar that our 700 mile drive home seemed almost short! My husband and I had an action plan ready to execute as soon as we got home… thanks to the step-by-step guidelines from your webmaster. Thanks for showing us a road map leading into an exciting, profitable future. Priscilla

I would like to thank you and Gary for a wonderful course. We thoroughly enjoyed all the information presented by Gary, Thomas and David. And we thank you for your hospitality with having us to your lovely “piece of paradise” in North Carolina. The lunch was delicious and your presentation of import/export items was quite interesting. We look forward to visiting Ecuador in September of 2010. And we look forward to visiting and staying at your hotel in Cotocatchi. Thank you again for a truly life changing and life enhancing weekend. And we also wish your loved ones a speedy recovery and good health. Best regards, Randy

Dear Gary and Merri: We so enjoyed attending the IBEZ Seminar this past weekend in Jefferson, NC. We loved the high country area, the nice people we met and particularly enjoyed the visit and tour of the New River Winery. We had a long drive home on Sunday and were sad that we had to leave and not be able to join you and our group for lunch at your farm and sad that we missed Merri’s cooking. We hope someday in the future we may have the opportunity to visit your property as we heard it is quite beautiful. Besides all of the relevant information, your emphasis on honesty and the importance of not be deceptive was reassuring. The bottom line is, that what gave real value to the information we were receiving and what made us feel comfortable was, that we felt you, Thomas and David were all people of good character. Something that is very important to us. Thank you, Gary and Merri, for providing a wonderful Seminar. Mike

International business and investments can enhance profits. We have proven this by sharing ideas on global investing for over 41 years.

Here I am conducting a weekend International Business and investing Course. Just then I was talking about how to have a real global business importing roses (and showing samples just brought in from Ecuador ).

This particular day we invited everyone up to our home. It was crowded but the delegates loved it!

As you can see we are pretty casual at our courses. This may be different than most but this is what we try to share…ways to be different for fun and profit.

I conduct most of our International Investing and business seminar along with Thomas Fischer from Jyske Bank. We cover global economies, markets and currencies. Here is Thomas speaking to the group.

Plus we talk about exports. Merri started in the export business, bring products from Italy Germany and Mexico.

One day during our seminar we have lunch for afternoon tea at our house. Here is a group lounging on our front porch In North Carolina. Delegates were enjoying a great end to a summer day in the Blue Ridge. One of our horses decided to join in.

Our Appaloosa “Lucy” listens in (or does she want an apple?).

“Blaze” and “Harriet” join the course as well.

We share a lot about international investments and global business over three days. Delegates love this course and return again and again. I know one in the group was attentive. Ma, our pumpkin patch hound. Now you can see why dogs are called man’s best friend.

Here are what a few of the delegates shared

“Thank you for a wonderful experience. The whole package was great: the informative, stimulating, life-affirming conference that opened our minds to global possibilities; the luscious, natural, wholesome, lovingly-made food that nourished us with God-given energy; the crisp, prana-filled, tree-fed mountain air that reminded us that it is a pleasure to breathe in and connect to our earth, to ourselves; and last but not least, your hospitality. Thank you.”

“Dear Gary and Merri: Please receive my most heartfelt thank you for the wonderful time I spent in NC. The countryside is picture perfect and your farm is an idyllic retreat, with pine tree forests, streams, a lagoon, and the horses and geese to wrap it up. The group was wonderful and very warm to our projects. It couldn’t have gone better. Your friend

”Thank you very much for your kindness and generosity. I really enjoyed to be there. Your conference was excellent. My drive from Jefferson Landing took me 2 hrs 12 min. It was a beautiful one. We (my wife and I) safely arrived to Hungary. When we got here we learned about the Sunday night riots and turmoil. Do not worry about us the country is perfectly safe and calm. This was only a pre election political tactics. However this incident confirms my view about any government. We have to be careful and never trust any government. These recent Hungarian incident proved Gary’s point about diversification and about multi currency and about multi market sandwiches. Thank you very much again”.

“Good Morning Merri & Gary: I sincerely enjoyed the three days spent and was thoroughly motivated by the knowledge imparted during the three days.”

“ Gary, We were pleased to be able to be at the IBEZ seminar this past weekend and we enjoyed it immensely. Thanks once again.”

Take advantage of our split sessions and travel with our group to Ecuador after the International Business & Investing course.

Join us in Ecuador or Florida or Both. See the best Ecuador property for you. Find the best real estate offers. Know more of Ecuador.To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

Ambato is one of Ecuador’s important cities but has been largely ignored by expats. This gives readers a chance to have income producing real estate at a lower price than you’ll typically find in Quito, Cuenca or Cotacachi.

These are Ambato condos and income producing properties with this view.

San Juan de Ambato is a city of about 150,000 (half the size of Cuenca) located two hours + (depending on how fast you drive) south of Quito in the central Andean corridor.

The city is cut by the Ambato River and surrounded by tall mountains. This is the capital of the province of Tungurahua and is at an elevation of 7,500 feet (about the same as Cotacachi). It is called the “City of Flowers and Fruit” and “Garden of Ecuador.”

Ambato’s economy includes fruit, tanneries, food products and textiles plus is a main transportation hub, since the Pan-American Highway passes through there.

The city of Ambato was founded in the late 1600s and declared independence from Spain in the early 1800s. Ambato was the seat of the first printing press in Ecuador; this was originally installed in 1670 by Jesuit missionaries to print copies of the Bible.

Construction here is very solid due to a massive earthquake many years ago. It is described as one of the most earthquake-resistant places on earth.

Ambato is a modern city because all old buildings were destroyed by the earthquake.

Ambato enjoys a mostly warm and sunny climate. The average temperature during most of the year stays between 60 to 70 degrees F.

The views from these condos cover most of Ambato.

Long time reader Eddie Santamaria is an Ecuadorian living in New York. He began investing in Ecuador real estate years ago and wrote:

I have four buildings for sale in Ambato for investors who would like to have rental income in Ecuador.

All the buildings are on or about 10 minutes from the main Centro De La Ciudad. They are all near public transportation. Herfrei 1 is on the corner of a busy “cinco esquinas” five corners of Pinllo. The main intersection of the comings and going to and from the city.

HERFREI I.

This is a corner building in the neighborhood known as Pinllo.

This building’s land is approximately 1,457 square feet.

This building consists of four floors. On the first floor there are three store fronts: One is appx. 235 square feet, one appx. 255 and one appx. 319 square feet.

This is the building shown on This building is also in Pinllo with a higher view.

This building’s land is appx. 4,465.40 square feet and the building has three floors, with nine apartment. Two are three bedroom and seven two bedroom.

HERFREI II has 9 garages. This building also has a communal garden for all tenants. The asking price is $499,000.

The legal description of Santamaria 1 and 2 are not divided so they are for sale together.

These buildings are also in Pinllo and located near the two Herfrei buildings.

The land is appx. 5,604 square feet with Santamaria 1 having 6 apartments on four floors. The first floor consists of the lobby and garages. Floors two through four each have one, three bedroom, and one, two bedroom unit of appx. 1,150 square feet.

Santamaria II has four smaller apartments.

These buildings have 12 garages, a children’s playground, automatic glass doors at the main entrance and automatic steel doors at the entrance for cars with remote control.

These two buildings could be divided by the new owner. The asking price for both Santamaria buildings is $699,000.

Here are some income figures for each of the apartments.

Herfrei I rents for $115.00 per apaartment.

Herfrei II rents for $140.00 per apartment.

Santamaria 1 and 2 are brand new and not rented but should bring $200-250 per apartment. Some units in these buildings are occupied. Furnishing is not included.

These are…

all of…

top…

quality construction.

Eddie is also willing to exchange these properties for other Real Estate in the South America, the USA or Europe.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:
epsantamaria@msn.com Phone No. 718-472-2900
Fax No. 718-472-2909

Here…

are…

more…

shots…

of these…

Ecuador condos for sale…

in Ambato.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:

epsantamaria@msn.comPhone No. 718-472-2900
Fax No. 718-472-2909

This is a paid advertisement so please contact Eddie… not me, with questions.

Gary

Eddie can arrange visits of these properties before or after our October, November and December real estate tours.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador. Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.